Money / Banks
The Capricornian
What The Capricornian publishes about its products under the Consumer Data Right, as at 16 October 2026. For current details, check The Capricornian's own website.
Savings and transaction accounts
Rates for a $10,000 balance. Compare with other banks.
| Account | If you miss the conditions | Bonus | With the bonus | What you have to do |
|---|---|---|---|---|
| Bonus Saver Account | 0.10% | 4.90% | 5.00% | The bank's data doesn't say. Bonus only on balances up to $250,000 In the bank's words0.10% interest is applied to the entirety of the balance regardless of whether or not the bonus criteria is met. |
| Everyday Saver Account | 0.10% | – | 0.10% | No bonus |
| iSaver | 0.45% | – | 0.45% | No bonus |
| Pension Access Account | 0.10% | – | 0.10% | No bonus |
| Youth Access Account | 1.75% | – | 1.75% | No bonus. Up to age 16 |
Term deposits
The rate for $10,000 (or the smallest deposit it takes). Compare with other banks.
| Product | 3 months | 6 months | 12 months | 24 months | Smallest deposit |
|---|---|---|---|---|---|
| Term Deposit | 4.30% | 4.95% | 5.20% | 5.10% | $5,000 |
Home loans
Owner-occupier, principal and interest, borrowing 80% of the home's value. Compare with other banks.
| Loan | Variable | Comparison |
|---|---|---|
| Access Equity Home Loan | 8.09% | 8.14% |
| Lifestyle Home Loan | 6.94% | 6.99% |
| Mortgage Plus Home Loan | 9.23% | – |
| No Frills Owner Occupied Home Loan | 6.24% | 6.29% |
| Premium Choice Home Loan | 7.45% | 7.50% |
| Variable Rate Offset Home Loan | 6.44% | 6.44% |
Other products in these groups
These don't list rates we can show in a table (for example, accounts that pay no interest).
- Business Access Account Savings and transaction accounts
- Club Account Savings and transaction accounts
- No Frills Investment Home Loan Home loans
- Personal Access Account Savings and transaction accounts
- Premium Choice Investment Loan Home loans
- Student Access Account Savings and transaction accounts
Rates changed on 838 products since 12 October 2026. Each one is marked "changed" below.
General information, not advice. This shows what banks publish. It doesn't recommend any product, and the order of a table is not a ranking. Rates change, so check the bank's own page for current details before you decide anything.
Source: The Capricornian product data, published under the Consumer Data Right, as at 16 October 2026. Every product name links to its page at The Capricornian, which has the current details.